Re: How to respond to "no" email

I always send something like this:

I understand that it is not usual policy to remove derogatory information but I am now in the process of rebuilding my credit history and future profile. I assure you I'm working really hard to improve my credit profile by now making on time monthly payments to my open accounts. I hope you understand that I made a mistake when I failed to make my payments before. In light of things, I am sincerely asking for a little goodwill and a chance at a positive credit rating.

Re: How to respond to "no" email

Absolutely escalate this up the chain. They have to report accurate information, but they don't have to report any information at all. See if you can get ahold of someone up the ladder so they can go against policy.

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IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.